Sources and verification

The marginal rate on each slice of taxable income (after deductions) for wages, pensions, IRA withdrawals and the taxable part of Social Security.

Applies to

2026

Source

irs.gov

Section

Rev. Proc. 2025-32 §4.01 Table 1

Applies to

2026

Source

irs.gov

Section

Rev. Proc. 2025-32 §4.01 Table 3

Applies to

2026

Source

irs.gov

Section

Rev. Proc. 2025-32 §4.01 Table 2

Applies to

2026

Source

irs.gov

Section

Rev. Proc. 2025-32 §4.01 Table 4

The standard deduction subtracted from income before the brackets apply, by filing status.

Applies to

2026

Source

irs.gov

Section

§4.14(1)

Applies to

2026

Source

irs.gov

Section

§4.14(1)

Applies to

2026

Source

irs.gov

Section

§4.14(1)

Applies to

2026

Source

irs.gov

Section

§4.14(1)

Extra standard deduction per qualifying person aged 65 or older (IRC section 63(f)); each spouse qualifies separately on a joint return. Blindness is not modeled.

Applies to

2026

Source

irs.gov

Section

§4.14(3)

Applies to

2026

Source

irs.gov

Section

§4.14(3)

Applies to

2026

Source

irs.gov

Section

§4.14(3)

Applies to

2026

Source

irs.gov

Section

§4.14(3)

Age by the end of the tax year at which the additional standard deduction and the temporary senior deduction begin.

Applies to

Not year-specific

Source

law.cornell.edu

Section

§151(d)(5)(C)(ii)

The deduction for seniors added by P.L. 119-21 (IRC section 151(d)(5)(C)): a fixed amount per person aged 65 or older, reduced as income rises. Not indexed to inflation; not allowed for married filing separately.

Applies to

2025 to 2028

Source

law.cornell.edu

Section

§151(d)(5)(C)(i)

Taxable-income levels where long-term capital gains and qualified dividends move from the 0% to the 15% to the 20% rate; they stack on top of ordinary taxable income.

Applies to

2026

Source

irs.gov

Section

§4.03

Applies to

2026

Source

irs.gov

Section

§4.03

Applies to

2026

Source

irs.gov

Section

§4.03

Applies to

2026

Source

irs.gov

Section

§4.03

Income above which the net investment income tax applies (IRC section 1411). Set by statute and not indexed to inflation.

Applies to

Not year-specific

Source

irs.gov

Applies to

Not year-specific

Source

irs.gov

Applies to

Not year-specific

Source

irs.gov

Applies to

Not year-specific

Source

irs.gov

Rate of the net investment income tax on investment income above the threshold.

Applies to

Not year-specific

Source

irs.gov

Retirement-account distributions before this age can carry the early-withdrawal penalty.

Applies to

Not year-specific

Source

irs.gov

Additional tax on early distributions from retirement accounts, on top of ordinary income tax.

Applies to

Not year-specific

Source

irs.gov

When traditional IRAs hold after-tax basis, every conversion or withdrawal is part basis and part taxable, in the ratio of basis to the year-end value of all traditional, SEP and SIMPLE IRAs plus the year’s withdrawals and conversions. Used by the pro-rata calculator; the simulator does not track IRA basis.

Applies to

Not year-specific

Source

irs.gov

Section

Form 8606 (2026) Part I lines 6–13; IRC §408(d)(2)

When employer shares leave a workplace plan in a lump-sum distribution, the plan’s cost basis is taxed as ordinary income that year and the appreciation is taxed only when the shares are sold, as long-term gain. Used by the NUA calculator; the simulator does not model the election.

Applies to

Not year-specific

Source

irs.gov

Section

Pub 575 (2025), Distributions of employer securities; Lump-Sum Distributions

The NUA part of a sale of distributed employer shares is not net investment income; appreciation after the distribution is. Used by the NUA calculator.

Applies to

Not year-specific

Source

law.cornell.edu

Section

Treas. Reg. §1.1411-8(b)(4)(ii)

The marginal rate on each slice of taxable income for 2027. Published for the 2027 year pages; the simulator still runs on 2026 figures.

Applies to

2027

Source

irs.gov

Section

Rev. Proc. 2026-35 §3.01 Table 1

Applies to

2027

Source

irs.gov

Section

Rev. Proc. 2026-35 §3.01 Table 3

Applies to

2027

Source

irs.gov

Section

Rev. Proc. 2026-35 §3.01 Table 2

Applies to

2027

Source

irs.gov

Section

Rev. Proc. 2026-35 §3.01 Table 4

The 2027 standard deduction by filing status. Published for the 2027 year pages; the simulator still runs on 2026 figures.

Applies to

2027

Source

irs.gov

Section

§3.15(1)

Applies to

2027

Source

irs.gov

Section

§3.15(1)

Applies to

2027

Source

irs.gov

Section

§3.15(1)

Applies to

2027

Source

irs.gov

Section

§3.15(1)

Extra standard deduction per qualifying person aged 65 or older, 2027. Published for the 2027 year pages; the simulator still runs on 2026 figures.

Applies to

2027

Source

irs.gov

Section

§3.15(3)

Applies to

2027

Source

irs.gov

Section

§3.15(3)

Applies to

2027

Source

irs.gov

Section

§3.15(3)

Applies to

2027

Source

irs.gov

Section

§3.15(3)

Taxable-income levels where capital gains rates step from 0% to 15% to 20%, 2027. Published for the 2027 year pages; the simulator still runs on 2026 figures.

Applies to

2027

Source

irs.gov

Section

§3.03

Applies to

2027

Source

irs.gov

Section

§3.03

Applies to

2027

Source

irs.gov

Section

§3.03

Applies to

2027

Source

irs.gov

Section

§3.03

A tax deadline that falls on a Saturday, Sunday or District of Columbia legal holiday moves to the next business day; the deadlines calendar applies this rule with these holidays.

Applies to

Not year-specific

Source

irs.gov

Section

Pub 509 (2026) “Saturday, Sunday, or legal holiday” and “Legal holidays”

When each estimated-tax payment for a calendar-year individual is due, before any weekend or holiday shift.

Applies to

Not year-specific

Source

irs.gov

Section

IRS FAQ “When are quarterly estimated tax payments due?”

When Form 1040 is due for a calendar year, and the extended due date with Form 4868.

Applies to

Not year-specific

Source

irs.gov

Section

Pub 509 (2026), “Fiscal-Year Taxpayers”, Individuals section

Most an employee can defer into a 401(k) or 403(b) in 2026, before catch-up amounts.

Applies to

2026

Source

irs.gov

Extra 401(k) deferral allowed from age 50, except at ages 60 to 63, which have a higher catch-up.

Applies to

2026

Source

irs.gov

Higher extra 401(k) deferral allowed in the years you are 60, 61, 62 or 63, if your plan offers it.

Applies to

2026

Source

irs.gov

Cap on all employee and employer contributions to one plan; it limits after-tax (mega-backdoor Roth) contributions.

Applies to

2026

Source

irs.gov

Combined traditional and Roth IRA contribution limit, which also caps backdoor Roth contributions.

Applies to

2026

Source

irs.gov

Extra IRA contribution allowed from age 50.

Applies to

2026

Source

irs.gov

Health savings account contribution limit with family coverage.

Applies to

2026

Source

irs.gov

Health savings account contribution limit with self-only coverage.

Applies to

2026

Source

irs.gov

Extra HSA contribution from age 55. Fixed by statute, not indexed.

Applies to

Not year-specific

Source

irs.gov

Amount one person can give to any one recipient in a year without a gift-tax return. A couple splitting gifts can give twice this. The simulator only shows an informational note; it never computes gift tax.

Applies to

2026

Source

irs.gov

Basic exclusion per person set by the One Big Beautiful Bill Act. The simulator flags a final estate above it; estate tax itself is not computed.

Applies to

2026

Source

irs.gov

Health savings account contribution limit with family coverage, 2027. Published for the 2027 year pages; the simulator still runs on 2026 figures.

Applies to

2027

Source

irs.gov

Section

§3.01(1)

Health savings account contribution limit with self-only coverage, 2027. Published for the 2027 year pages; the simulator still runs on 2026 figures.

Applies to

2027

Source

irs.gov

Section

§3.01(1)

The lowest deductible and highest out-of-pocket maximum a health plan can have and still let you contribute to an HSA, 2027. Published for the 2027 year pages; the simulator still runs on 2026 figures.

Applies to

2027

Source

irs.gov

Section

§3.01(3)

The lowest deductible and highest out-of-pocket maximum a health plan can have and still let you contribute to an HSA, 2026. Shown on the year pages; the simulator does not model plan eligibility.

Applies to

2026

Source

irs.gov

Section

§2.01(2)

The age 60–63 catch-up, the plan compensation cap, the wage line above which catch-ups must be Roth, IRA deduction and Roth IRA income phase-out ranges, and SIMPLE plan limits for 2026. Shown on the year pages; the simulator does not use them.

Applies to

2026

Source

irs.gov

Section

Notice 2025-67, §§414(v)(2)(E)(i), 414(v)(7)(A), 401(a)(17), 219(g), 408A(c)(3), 408(p)

Amount one person can give to any one recipient in 2027 without a gift-tax return. Published for the 2027 year pages; the simulator still runs on 2026 figures.

Applies to

2027

Source

irs.gov

Section

§3.46(1)

Basic exclusion amount per person for 2027. Published for the 2027 year pages; the simulator still runs on 2026 figures.

Applies to

2027

Source

irs.gov

Section

§3.44

IRA contributions for a year can be made until that year’s return due date.

Applies to

Not year-specific

Source

irs.gov

Section

Pub 590-A “When Can Contributions Be Made?”

HSA contributions for a year can be made until that year’s return due date.

Applies to

Not year-specific

Source

irs.gov

Section

Pub 969 “When To Contribute”

The age at which an unreduced Social Security retirement benefit is payable, for everyone born in 1960 or later.

Applies to

Not year-specific

Source

ssa.gov

Full retirement age for earlier cohorts, which rises by two months a year before settling at 67.

Applies to

Not year-specific

Source

ssa.gov

Share of the full-retirement-age benefit paid when claiming at each whole age, exact under the statutory monthly formula.

Applies to

Not year-specific

Source

ssa.gov

The statutory monthly formula behind claiming at ages that are not whole years.

Applies to

Not year-specific

Source

ssa.gov

Youngest age for a widow or widower benefit without a disability or a child in care.

Applies to

Not year-specific

Source

ssa.gov

When the spouse who died had claimed early, the survivor benefit is held to the larger of that reduced benefit or this share of the full benefit.

Applies to

Not year-specific

Source

law.cornell.edu

Section

42 U.S.C. §402(e)(2)(D)(ii)

Share of the deceased spouse’s benefit paid at the earliest age; it rises to 100% at full retirement age.

Applies to

Not year-specific

Source

ssa.gov

Provisional-income thresholds above which up to 50% and then up to 85% of benefits are taxable (IRC section 86). Not indexed. Married filing separately is modeled as living with the spouse, which makes benefits taxable from the first dollar.

Applies to

Not year-specific

Source

irs.gov

Section

IRC §86

Applies to

Not year-specific

Source

irs.gov

Section

Pub 915

Applies to

Not year-specific

Source

irs.gov

Section

Pub 915

Applies to

Not year-specific

Source

irs.gov

Section

IRC §86(c)

One-year death probabilities for men and women, used only for the survival overlay on the charts; they do not affect the simulation.

Applies to

2021 table

Source

ssa.gov

Earnings above this are not subject to the Social Security payroll tax or counted for benefits. Published for the 2027 year pages; the simulator still runs on 2026 figures.

Applies to

2027

Source

ssa.gov

The monthly average-earnings amounts at which the benefit formula’s percentage steps down. Published for the 2027 year pages; the simulator still runs on 2026 figures.

Applies to

2027

Source

ssa.gov

Benefit increase for December 2026, payable from January 2027. Published for the 2027 year pages; the simulator still runs on 2026 figures.

Applies to

2027

Source

ssa.gov

Annual earnings a person claiming before full retirement age can have before benefits are withheld. Published for the 2027 year pages; the simulator still runs on 2026 figures.

Applies to

2027

Source

ssa.gov

Earnings above this are not subject to the Social Security payroll tax or counted for benefits, 2026. Shown beside 2027 on the year pages.

Applies to

2026

Source

ssa.gov

Section

Contribution and benefit bases, 1937-2027 table, 2026 row

The monthly average-earnings amounts at which the benefit formula’s percentage steps down, 2026. Shown beside 2027 on the year pages.

Applies to

2026

Source

ssa.gov

Section

PIA formula bend points table, 2026 row

Annual earnings a person claiming before full retirement age can have before benefits are withheld, 2026. Shown beside 2027 on the year pages.

Applies to

2026

Source

ssa.gov

Section

Annual Retirement Earnings Test Exempt Amounts table, 2026 row

The standard monthly Part B premium before any income-related surcharge.

Applies to

2026

Source

cms.gov

The national base monthly Part D premium that income-related surcharges are added to.

Applies to

2026

Source

cms.gov

Monthly Part B and Part D surcharges by income tier, per person. A tier applies when income from two years earlier exceeds its threshold. Single and head of household share one table; married filing separately uses the special table for people who lived with their spouse.

Applies to

2026

Source

cms.gov

Applies to

2026

Source

cms.gov

Applies to

2026

Source

cms.gov

Applies to

2026

Source

cms.gov

IRMAA is set by income from this many years before the premium year.

Applies to

Not year-specific

Source

ssa.gov

The 2027 national base monthly Part D premium. The 2027 Part B premium and IRMAA tiers are not yet published. Published for the 2027 year pages; the simulator still runs on 2026 figures.

Applies to

2027

Source

cms.gov

The seven-month Initial Enrollment Period around the month you turn 65, and the yearly General Enrollment Period.

Applies to

Not year-specific

Source

medicare.gov

Section

Initial Enrollment Period; General Enrollment Period

Open Enrollment for Medicare Advantage and drug plans, and the Medicare Advantage Open Enrollment Period.

Applies to

Not year-specific

Source

medicare.gov

Section

“Other enrollment periods” table

The 2025 HHS poverty guideline (48 contiguous states); plan-year 2026 subsidies use the prior year’s guideline.

Applies to

Plan year 2026 (2025 guideline)

Source

federalregister.gov

Section

Federal Register doc 2025-01377

The 2025 HHS poverty guideline for two people (48 contiguous states).

Applies to

Plan year 2026 (2025 guideline)

Source

federalregister.gov

Added to the poverty guideline for each person beyond the first.

Applies to

Plan year 2026 (2025 guideline)

Source

federalregister.gov

Section

Federal Register doc 2025-01377

Share of income a household is expected to pay toward a benchmark plan before the premium tax credit; the credit is the benchmark premium minus that amount. The enhanced subsidies expired after 2025, so there is no subsidy above 400% of the poverty level.

Applies to

2026

Source

irs.gov

Federal default factor by adult age used to scale a benchmark premium; age 21 is 1.0 and ages 64 and over are 3.0.

Applies to

Not year-specific

Source

cms.gov

Household income must be at least this share of the poverty level to receive the premium tax credit (IRC section 36B). Medicaid is not modeled.

Applies to

Not year-specific

Source

law.cornell.edu

Section

§36B(c)(1)(A)

Above this share of the poverty level the premium tax credit is zero (the post-2025 cliff).

Applies to

Not year-specific

Source

law.cornell.edu

Married people filing separately generally cannot receive the premium tax credit (IRC section 36B(c)(1)(C)); narrow exceptions are not modeled.

Applies to

Not year-specific

Source

law.cornell.edu

Section

§36B(c)(1)(C)

The 2026 HHS guideline (48 states and DC), used for plan-year 2027 subsidies. Published for the 2027 year pages; the simulator still runs on 2026 figures.

Applies to

Plan year 2027 (2026 guideline)

Source

federalregister.gov

Section

Federal Register doc 2026-00755

The 2026 HHS guideline for two people (48 states and DC), used for plan-year 2027. Published for the 2027 year pages; the simulator still runs on 2026 figures.

Applies to

Plan year 2027 (2026 guideline)

Source

federalregister.gov

Section

Federal Register doc 2026-00755

Added to the 2026 guideline for each person beyond the first. Published for the 2027 year pages; the simulator still runs on 2026 figures.

Applies to

Plan year 2027 (2026 guideline)

Source

federalregister.gov

Section

Federal Register doc 2026-00755

Share of income a household is expected to pay toward a benchmark plan, plan year 2027; no subsidy above 400% of the poverty level. Published for the 2027 year pages; the simulator still runs on 2026 figures.

Applies to

2027

Source

irs.gov

Section

Rev. Proc. 2026-26 §3.01

The federal Marketplace’s Open Enrollment window for plan year 2027 (state-run Marketplaces may differ).

Applies to

2027

Source

healthcare.gov

Section

“When can you get health insurance?” (Enroll for 2027 now)

Required minimum distribution = prior year-end balance divided by the divisor for your age. The 2022 and later table; divisors are not inflation-indexed.

Applies to

Not year-specific

Source

irs.gov

Section

Pub 590-B Table III

Divisor used for ages beyond the last row of the Uniform Lifetime Table (120 and older).

Applies to

Not year-specific

Source

irs.gov

Section

Pub 590-B

Required minimum distributions start at an age that depends on birth year.

Applies to

Not year-specific

Source

irs.gov

Section

SECURE 2.0 §107

Statutory minimum age for a qualified charitable distribution from an IRA (IRC section 408(d)(8)). The simulator works in whole ages and treats it as age 70.

Applies to

Not year-specific

Source

irs.gov

Section

IRC §408(d)(8)

Most one IRA owner can give directly to charity from an IRA in a year without it being taxable income.

Applies to

2026

Source

irs.gov

Section

Notice 2025-67

Non-spouse heirs generally must empty an inherited retirement account by the end of the year that is this many years after the year they received it.

Applies to

Not year-specific

Source

irs.gov

The first RMD may wait until April 1 of the following year; every later RMD is due by December 31 of its year.

Applies to

Not year-specific

Source

irs.gov

Section

RMD FAQ Q3; Pub 590-B “Distributions after the required beginning date”

A Roth conversion or qualified charitable distribution counts in the year the money leaves the IRA.

Applies to

Not year-specific

Source

irs.gov

Section

Pub 590-B ch. 1 “Are Distributions Taxable?” (conversion caution; QCDs)

The simulator’s simplified version of this state’s income tax for retirees: rate or brackets, standard deduction, personal exemption, how Social Security and retirement-plan distributions are treated, and capital gains. Credits, local taxes and phase-outs are left out on purpose; the notes say what each state’s version keeps and drops.

Applies to

Latest published year (see notes)

Source

revenue.alabama.gov

The simulator applies Alabama’s top 5% rate to all taxable income; the real 2% and 4% brackets on the first $6,000 are ignored.

Applies to

Not year-specific

Source

revenue.alabama.gov

The highest tier of the income-phased joint standard deduction, applied as a flat amount.

Applies to

Not year-specific

Source

revenue.alabama.gov

Two spouses at the $1,500 personal exemption.

Applies to

Not year-specific

Source

revenue.alabama.gov

First dollars of retirement-account distributions per person excluded from Alabama tax at 65 and older (Act 2022-297). Higher amounts proposed in 2025 were not enacted.

Applies to

Not year-specific

Source

revenue.alabama.gov

Whether Social Security benefits are excluded from Alabama taxable income.

Applies to

Not year-specific

Source

revenue.alabama.gov

The simulator’s simplified version of this state’s income tax for retirees: rate or brackets, standard deduction, personal exemption, how Social Security and retirement-plan distributions are treated, and capital gains. Credits, local taxes and phase-outs are left out on purpose; the notes say what each state’s version keeps and drops.

Applies to

Latest published year (see notes)

Source

tax.alaska.gov

The simulator’s simplified version of this state’s income tax for retirees: rate or brackets, standard deduction, personal exemption, how Social Security and retirement-plan distributions are treated, and capital gains. Credits, local taxes and phase-outs are left out on purpose; the notes say what each state’s version keeps and drops.

Applies to

Latest published year (see notes)

Source

azdor.gov

The simulator’s simplified version of this state’s income tax for retirees: rate or brackets, standard deduction, personal exemption, how Social Security and retirement-plan distributions are treated, and capital gains. Credits, local taxes and phase-outs are left out on purpose; the notes say what each state’s version keeps and drops.

Applies to

Latest published year (see notes)

Source

ftb.ca.gov

The simulator’s simplified version of this state’s income tax for retirees: rate or brackets, standard deduction, personal exemption, how Social Security and retirement-plan distributions are treated, and capital gains. Credits, local taxes and phase-outs are left out on purpose; the notes say what each state’s version keeps and drops.

Applies to

Latest published year (see notes)

Source

tax.colorado.gov

The simulator’s simplified version of this state’s income tax for retirees: rate or brackets, standard deduction, personal exemption, how Social Security and retirement-plan distributions are treated, and capital gains. Credits, local taxes and phase-outs are left out on purpose; the notes say what each state’s version keeps and drops.

Applies to

Latest published year (see notes)

Source

cga.ct.gov

The simulator’s simplified version of this state’s income tax for retirees: rate or brackets, standard deduction, personal exemption, how Social Security and retirement-plan distributions are treated, and capital gains. Credits, local taxes and phase-outs are left out on purpose; the notes say what each state’s version keeps and drops.

Applies to

Latest published year (see notes)

Source

floridarevenue.com

The simulator’s simplified version of this state’s income tax for retirees: rate or brackets, standard deduction, personal exemption, how Social Security and retirement-plan distributions are treated, and capital gains. Credits, local taxes and phase-outs are left out on purpose; the notes say what each state’s version keeps and drops.

Applies to

Latest published year (see notes)

Source

dor.georgia.gov

The simulator’s simplified version of this state’s income tax for retirees: rate or brackets, standard deduction, personal exemption, how Social Security and retirement-plan distributions are treated, and capital gains. Credits, local taxes and phase-outs are left out on purpose; the notes say what each state’s version keeps and drops.

Applies to

Latest published year (see notes)

Source

tax.illinois.gov

The simulator’s simplified version of this state’s income tax for retirees: rate or brackets, standard deduction, personal exemption, how Social Security and retirement-plan distributions are treated, and capital gains. Credits, local taxes and phase-outs are left out on purpose; the notes say what each state’s version keeps and drops.

Applies to

Latest published year (see notes)

Source

in.gov

The simulator’s simplified version of this state’s income tax for retirees: rate or brackets, standard deduction, personal exemption, how Social Security and retirement-plan distributions are treated, and capital gains. Credits, local taxes and phase-outs are left out on purpose; the notes say what each state’s version keeps and drops.

Applies to

Latest published year (see notes)

Source

revenue.ky.gov

The simulator’s simplified version of this state’s income tax for retirees: rate or brackets, standard deduction, personal exemption, how Social Security and retirement-plan distributions are treated, and capital gains. Credits, local taxes and phase-outs are left out on purpose; the notes say what each state’s version keeps and drops.

Applies to

Latest published year (see notes)

Source

marylandcomptroller.gov

The simulator’s simplified version of this state’s income tax for retirees: rate or brackets, standard deduction, personal exemption, how Social Security and retirement-plan distributions are treated, and capital gains. Credits, local taxes and phase-outs are left out on purpose; the notes say what each state’s version keeps and drops.

Applies to

Latest published year (see notes)

Source

mass.gov

The simulator’s simplified version of this state’s income tax for retirees: rate or brackets, standard deduction, personal exemption, how Social Security and retirement-plan distributions are treated, and capital gains. Credits, local taxes and phase-outs are left out on purpose; the notes say what each state’s version keeps and drops.

Applies to

Latest published year (see notes)

Source

michigan.gov

The simulator’s simplified version of this state’s income tax for retirees: rate or brackets, standard deduction, personal exemption, how Social Security and retirement-plan distributions are treated, and capital gains. Credits, local taxes and phase-outs are left out on purpose; the notes say what each state’s version keeps and drops.

Applies to

Latest published year (see notes)

Source

revenue.state.mn.us

The simulator’s simplified version of this state’s income tax for retirees: rate or brackets, standard deduction, personal exemption, how Social Security and retirement-plan distributions are treated, and capital gains. Credits, local taxes and phase-outs are left out on purpose; the notes say what each state’s version keeps and drops.

Applies to

Latest published year (see notes)

Source

dor.mo.gov

The simulator’s simplified version of this state’s income tax for retirees: rate or brackets, standard deduction, personal exemption, how Social Security and retirement-plan distributions are treated, and capital gains. Credits, local taxes and phase-outs are left out on purpose; the notes say what each state’s version keeps and drops.

Applies to

Latest published year (see notes)

Source

tax.nv.gov

The simulator’s simplified version of this state’s income tax for retirees: rate or brackets, standard deduction, personal exemption, how Social Security and retirement-plan distributions are treated, and capital gains. Credits, local taxes and phase-outs are left out on purpose; the notes say what each state’s version keeps and drops.

Applies to

Latest published year (see notes)

Source

revenue.nh.gov

The simulator’s simplified version of this state’s income tax for retirees: rate or brackets, standard deduction, personal exemption, how Social Security and retirement-plan distributions are treated, and capital gains. Credits, local taxes and phase-outs are left out on purpose; the notes say what each state’s version keeps and drops.

Applies to

Latest published year (see notes)

Source

nj.gov

The simulator’s simplified version of this state’s income tax for retirees: rate or brackets, standard deduction, personal exemption, how Social Security and retirement-plan distributions are treated, and capital gains. Credits, local taxes and phase-outs are left out on purpose; the notes say what each state’s version keeps and drops.

Applies to

Latest published year (see notes)

Source

tax.ny.gov

The simulator’s simplified version of this state’s income tax for retirees: rate or brackets, standard deduction, personal exemption, how Social Security and retirement-plan distributions are treated, and capital gains. Credits, local taxes and phase-outs are left out on purpose; the notes say what each state’s version keeps and drops.

Applies to

Latest published year (see notes)

Source

ncdor.gov

The simulator’s simplified version of this state’s income tax for retirees: rate or brackets, standard deduction, personal exemption, how Social Security and retirement-plan distributions are treated, and capital gains. Credits, local taxes and phase-outs are left out on purpose; the notes say what each state’s version keeps and drops.

Applies to

Latest published year (see notes)

Source

codes.ohio.gov

The simulator’s simplified version of this state’s income tax for retirees: rate or brackets, standard deduction, personal exemption, how Social Security and retirement-plan distributions are treated, and capital gains. Credits, local taxes and phase-outs are left out on purpose; the notes say what each state’s version keeps and drops.

Applies to

Latest published year (see notes)

Source

oregon.gov

The simulator’s simplified version of this state’s income tax for retirees: rate or brackets, standard deduction, personal exemption, how Social Security and retirement-plan distributions are treated, and capital gains. Credits, local taxes and phase-outs are left out on purpose; the notes say what each state’s version keeps and drops.

Applies to

Latest published year (see notes)

Source

pa.gov

The simulator’s simplified version of this state’s income tax for retirees: rate or brackets, standard deduction, personal exemption, how Social Security and retirement-plan distributions are treated, and capital gains. Credits, local taxes and phase-outs are left out on purpose; the notes say what each state’s version keeps and drops.

Applies to

Latest published year (see notes)

Source

scstatehouse.gov

The simulator’s simplified version of this state’s income tax for retirees: rate or brackets, standard deduction, personal exemption, how Social Security and retirement-plan distributions are treated, and capital gains. Credits, local taxes and phase-outs are left out on purpose; the notes say what each state’s version keeps and drops.

Applies to

Latest published year (see notes)

Source

dor.sd.gov

The simulator’s simplified version of this state’s income tax for retirees: rate or brackets, standard deduction, personal exemption, how Social Security and retirement-plan distributions are treated, and capital gains. Credits, local taxes and phase-outs are left out on purpose; the notes say what each state’s version keeps and drops.

Applies to

Latest published year (see notes)

Source

taxfoundation.org

The simulator’s simplified version of this state’s income tax for retirees: rate or brackets, standard deduction, personal exemption, how Social Security and retirement-plan distributions are treated, and capital gains. Credits, local taxes and phase-outs are left out on purpose; the notes say what each state’s version keeps and drops.

Applies to

Latest published year (see notes)

Source

comptroller.texas.gov

The simulator’s simplified version of this state’s income tax for retirees: rate or brackets, standard deduction, personal exemption, how Social Security and retirement-plan distributions are treated, and capital gains. Credits, local taxes and phase-outs are left out on purpose; the notes say what each state’s version keeps and drops.

Applies to

Latest published year (see notes)

Source

le.utah.gov

The simulator’s simplified version of this state’s income tax for retirees: rate or brackets, standard deduction, personal exemption, how Social Security and retirement-plan distributions are treated, and capital gains. Credits, local taxes and phase-outs are left out on purpose; the notes say what each state’s version keeps and drops.

Applies to

Latest published year (see notes)

Source

law.lis.virginia.gov

The simulator’s simplified version of this state’s income tax for retirees: rate or brackets, standard deduction, personal exemption, how Social Security and retirement-plan distributions are treated, and capital gains. Credits, local taxes and phase-outs are left out on purpose; the notes say what each state’s version keeps and drops.

Applies to

Latest published year (see notes)

Source

dor.wa.gov

The simulator’s simplified version of this state’s income tax for retirees: rate or brackets, standard deduction, personal exemption, how Social Security and retirement-plan distributions are treated, and capital gains. Credits, local taxes and phase-outs are left out on purpose; the notes say what each state’s version keeps and drops.

Applies to

Latest published year (see notes)

Source

revenue.wi.gov

The simulator’s simplified version of this state’s income tax for retirees: rate or brackets, standard deduction, personal exemption, how Social Security and retirement-plan distributions are treated, and capital gains. Credits, local taxes and phase-outs are left out on purpose; the notes say what each state’s version keeps and drops.

Applies to

Latest published year (see notes)

Source

taxfoundation.org

One row per calendar year: nominal total returns on US stocks, 10-year Treasury bonds and 3-month Treasury bills, plus CPI inflation. Used by the historical-bootstrap market model, which draws whole years at random.

Applies to

Not year-specific

Source

pages.stern.nyu.edu

Brackets, deductions and thresholds are stated in this year’s dollars and then indexed by simulated inflation.

Applies to

Not year-specific

Source

Model convention (no external source)

Share of the brokerage balance paid out each year as qualified dividends and reinvested.

Applies to

Not year-specific

Source

Model assumption (no external source)

Healthcare costs grow at general inflation plus this amount.

Applies to

Not year-specific

Source

Model assumption (no external source)

Assumed marginal rate for an heir draining an inherited IRA over ten years; editable in the simulator.

Applies to

Not year-specific

Source

Model assumption (no external source)

In the survivor what-if, base spending is multiplied by this after the first death; editable in the simulator.

Applies to

Not year-specific

Source

Model assumption (no external source)

Percent of a pension paid to the survivor after the first death; 50% is the most common joint-and-survivor form. Editable per pension.

Applies to

Not year-specific

Source

Model assumption (no external source)

A simulated year above this taxable income (in that year’s dollars) is flagged because the simulator does not compute the alternative minimum tax or itemized deductions. This is our own setting; no law sets it.

Applies to

Not year-specific

Source

Model convention (no external source)